we'll have more next, with dana bash, it -- unless you have the right perspective. bny mellon wealth management has the vision and experience to look beyond the obvious. we'll uncover opportunities, find hidden risk, and make success a reality. bny mellon wealth management at the chevy year-end event because chevy's giving more. more efficiency with sonic and cruze... more function in equinox and traverse... more dependability with the legendary silverado... and more style in the all-new malibu. chevy's giving more at the year-end event because 'tis the season. chevy's giving more. this holiday season, get a 2013 cruze ls for around $169 per month or get $500 holiday bonus cash. >>> joining me around the table, dana bash, chief economist, mark zandi, and you have a new book out entitled "paying the price." steven moore, and jackie calmes. let's just ask you two, first, so set the stage. will it be armageddon? should we all start hoarding gold? you get such differing opinions about what would happen. >> well, january 1, no, no big deal. particularly if the treasury d